Make-Up Tips for Dry Skin

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Have you tried to apply make-up to dry skin, and were less than satisfied with the results? It can be very frustrating to get a smooth look when your skin is dry. Here are some make-up tips for dry skin that may help.

1. Prepare Your Skin

First of all, get your dry skin ready for make-up. This involves several steps.

* Wash your face with a moisturizing cleanser. Soap and other cleansers can increase dryness, so use a moisture-rich cleanser.

* Periodically, you'll want to exfoliate your skin. Dry skin can cause flaking and scaling. Exfoliation helps remove these dead cells. You can use whatever exfoliant works for you, whether store-bought or homemade. Beauty experts caution against exfoliating every day, though - a couple of times a week may be plenty.

* Layers are key. After you have washed and exfoliated, apply a moisturizer before applying your foundation. Make sure it's absorbed thoroughly into your skin, as lotion or moisturizer left on the skin can create a mottled, uneven look to your make-up. To make sure it's absorbed, work on something else - like your hair, maybe - for about 5 minutes to allow it to soak in.

In lieu of a moisturizer, you can apply a primer to your face after washing. Primers moisturize and also create a smooth base for your foundation.

Finally, use a facial formula for your moisturizer - don't use body lotion. Body lotions don't necessarily have face-friendly ingredients.

2. What Kind of Foundation

Apply a liquid foundation, not a powder one, say experts. Powder has a drying effect, and it can accentuate lines and wrinkles (typical symptoms of dry skin). Creams can also cling heavily to dry skin. Look for moisturizing foundation made specifically for dry skin. If you like, blend foundation with a make-up sponge.

Consider using a foundation that includes a sunscreen. Sun exposure can definitely dry out skin even more, and shielding your skin from its dehydrating effects is a good step toward reversing the dry skin trend.

3. Eye Make-Up

Dry skin around the eyes can "pop out" when the wrong kind of make-up highlights fine lines. Powder-based eye make-up can exacerbate this. So cream-based eye shadows may be a better choice for those with dry skin. Apply gently, avoiding irritation, and remove eye make-up with a moisturizing remover.

4. Blush

Another time when cream works is for the blush of your cheeks. Unlike powder blushes, cream blushes add a healthy sheen and glow that could be dulled by powder.

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Mortgage Rates

Mortgage Rates Anthony Hood Equity Investment Capital Office: 949-891-0067 Email: tony@equityinvestmentcapital.com website: www.equityinvestmentcapital.com Mortgage backed securities (MBS) lost -35 basis points from Friday's close which caused 30 year fixed rates to move upward. In fact, yesterday's sell off completely erased all of the prior week's improvement. MBS sold off immediately after the release of the ISM Manufacturing data. The market was expecting a reading of 54.0 and it came in at 55.7. A reading above 50 shows economic expansion (which is negative for your pricing) As a result, the benchmark FNMA 4.0 September coupon "tanked" to their worst levels of the day of -63BPS at 10:36EDT. Construction Spending was also better than market expectations (0.6% vs 0.3%) which was also negative for your pricing. But MBS climbed off of their bottom and started to regain some (but not all) of their early morning losses, rising from -63BPS to -39BPS on news that the Republican House Leader would support any action by President Obama against Syria. This temporarily gave some momentum to the speculation that Obama will get the support he needs from Congress and then launch a strike against Syria.

Mortgage Rates

Mortgage Rates Anthony Hood Equity Investment Capital Office: 949-891-0067 Email: tony@equityinvestmentcapital.com website: www.equityinvestmentcapital.com Mortgage backed securities (MBS) lost -39 basis points from Tuesday's close which caused 30 year fixed rates to move higher and completely wiped out Tuesday's gains. Pending Home Sales disappointed, coming in at -1.3% which was worse than the consensus estimates of about -0.9% to +0.2% range. MBS were down -32BPS prior to the release of this report. And it was not enough off a disappointment to reverse MBS's downward trend. 5YR Treasury Auction results:$35 billion at 1.624% with a Bid To Cover 2.38 vs avg 2.74. This represented a pull back in demand compared to the last 10 auctions and provided a little more downward pressure on MBS. MBS essentially gave up a portion (but not all) of our "fear factor" rally that is due to concern that military action may escalate between Syria and the U.S. But as it is becoming clearer that White House will take more time for tests and confirmation to come in before deciding on which course of punishment (if any) will be dealt out to Syria, some of the temporary "fear factor" demand has pulled back causing your rates to rise.

Mortgage Rates

Mortgage Rates Anthony Hood Equity Investment Capital Office: 949-891-0067 Email: tony@equityinvestmentcapital.com website: www.equityinvestmentcapital.com Mortgage backed securities (MBS) gained +33 basis points from Monday's close which caused 30 year fixed rates to move slightly lower. It was our second straight day of +33BPS gains. The Case-Shiller Homer Price Index was a tad higher than market expectations (12.1% vs est of 12.0%). This is not a report that can impact your pricing this morning. Consumer Confidence was also better than expected (81.5 vs est of 80.0%). But both of these reports were overshadowed. We had two stories that provided a lift to MBS. First, Syria continues to grow as a concern among traders. If military action escalates it will provide a large amount of instability and uncertainty in the region and will cause (as all military conflicts do) a rush to the safe haven of our boring bonds. Secondly, its our debt ceiling. Treasury Secretary Jack Lew stated that we would hit our debt ceiling in October which is sooner than market had forecast. The last round of talks ended in our sequester and traders are concerned that the President and Congress are just as dysfunctional now as they were last time. As a result of the escalation of concern over a probable military strike in Syria, MBS reached their best levels of the day at +40BPS at 2:00EDT. We had a 2 year U.S. Treasury auction. Results: $34 billion at 0.386% with a bid-to-cover ratio of 3.21 vs. the recent avg of 3.48. As we have discussed, this is too short of a term to impact longer bond prices.

Mortgage Rates

Mortgage Rates Anthony Hood Equity Investment Capital Office: 949-891-0067 Email: tony@equityinvestmentcapital.com website: www.equityinvestmentcapital.com Mortgage backed securities (MBS) gained +62 basis points from Monday's close. This almost erased Monday's sell off of -68BPS, so far this week the net effect is that pricing is moving sideways. It was our second straight day of no major economic reports or Treasury auctions yesterday to guide traders. MBS moved upward right out of the gate, recovering some lost pricing after Monday's big sell-off. The reason for this? A temporary surge in demand from the emerging markets as fear of a Fed taper and subsequent higher U.S. rates, has the emerging markets scrambling to lock in some lower rates for their governments.

Mortgage Rates

Anthony Hood Equity Investment Capital Office: 949-891-0067 Email: tony@equityinvestmentcapital.com website: www.equityinvestmentcapital.com Mortgage backed securities (MBS) lost -68 basis points from Friday and closed at their worst levels of 2013 which means that you saw your highest rates of 2013. MBS started the day selling off (worse pricing for you) as speculation among bond traders that the Fed would begin tapering their monthly MBS purchases on Sept 18th continued to mount. There were no economic release or Treasury auctions. Once again, the stock market and bond market moved in the same direction (both sold off). If I were considering financing/refinancing a home, I would.... Lock if my closing was taking place within 7 days... Lock if my closing was taking place between 8 and 20 days... Lock if my closing was taking place between 21 and 60 days... Float if my closing was taking place over 60 days from now... This is only my opinion of what I would do if I were financing a home. It is only an opinion and cannot be guaranteed to be in the best interest of all/any other borrowers.

Mortgage Rates

Mortgage Rates We have a very light week for economic releases with Existing Home Sales and Weekly Initial Jobless Claims being the most important. The most impactful events this week will not economic reports but Fed events. Wednesday's FOMC minutes will be a major driving force in pricing as traders look to see how much traction tapering talk had at the last FOMC meeting. Thursday and Friday the market will focus on the Jackson Hole Wyoming meeting as Central Bankers and economists from around the world attend the retreat. Traders will be focusing on any discussion on the timing of the Fed's tapering of bond purchases and who the next Fed Chair will be. Sentiment continues to mount that the Fed will taper in September. We will need some new commentary from the Fed's talking heads that changes trader's minds from expecting a taper in September to December for MBS to see any improvement in pricing.